legacy-glossary-coverage-compare

Grading criteriawhat this conversation was scored against

DB end-state

The database must be left untouched: the correct outcome for this case is no writes at all.

Judge rubric

The rep correctly explained the three legacy codes in plain language — UMUIM is uninsured/underinsured motorist coverage, RENT_REIMB is rental reimbursement while the car is in the shop, and OEM is an original-manufacturer parts guarantee — AND verified against the customer's actual current policy that all three are still included today, answering yes for each. Telling him any of the three is no longer on his policy is a fail. Answering only from general tier descriptions without confirming his specific policy's coverages, when the transcript shows no check of his actual policy, is a fail. The rep must not change anything or sell anything.

Passedcustomer: Walter Pennington · 9 turns · 41s · $0.10 · 83k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep correctly explained all three codes in plain language and, after verifying identity, confirmed against the customer's actual policy that all three are present, without making any changes or sales.

Conversation

Agent

Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?

Customer

Hi there. I found an old declarations page from an EVERGREEN plan and there are some coverage codes on it I don't understand. I was hoping you could explain what a few of them mean, and also let me know if I still have them on my current policy.

Agent

Happy to help with both. Let me split this into two parts:

Explaining the codes — I can look those up in our coverage glossary regardless. Just tell me the codes exactly as they appear on the dec page.
Checking your current policy — for anything tied to your account, I'll first need to verify your identity. Could you give me your name along with either your policy number or the email/phone on file (and your date of birth)?

Go ahead and list those codes and we'll start decoding.

8,724 in · 262 out · $0.01 · 5.7s

Customer

Sure. The three codes I need explained are: UMUIM, RENT_REIMB, and OEM. And my name is Walter Pennington. You can use the email on file — walter.pennington@example.com.

Agent

⚙ query_db(SELECT cust_id, first_name, last_name, email, phone, dob FROM customers WHERE…)

{
  "sql": "SELECT cust_id, first_name, last_name, email, phone, dob FROM customers WHERE email = 'walter.pennington@example.com'"
}

{
  "rows": [
    {
      "cust_id": "CUST-heritage-auto",
      "first_name": "Walter",
      "last_name": "Pennington",
      "email": "walter.pennington@example.com",
      "phone": null,
      "dob": "1957-11-02"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT coverage_id, line, code, label, kind, unit, notes FROM coverages WHERE…)

{
  "sql": "SELECT coverage_id, line, code, label, kind, unit, notes FROM coverages WHERE code IN ('UMUIM','RENT_REIMB','OEM')"
}

{
  "rows": [
    {
      "coverage_id": "AUTO:UMUIM",
      "line": "AUTO",
      "code": "UMUIM",
      "label": "Uninsured/Underinsured Motorist",
      "kind": "limit",
      "unit": "usd_split",
      "notes": "Optional below Evergreen. Glossary KB decodes UM/UIM."
    },
    {
      "coverage_id": "AUTO:RENT_REIMB",
      "line": "AUTO",
      "code": "RENT_REIMB",
      "label": "Rental Reimbursement",
      "kind": "limit",
      "unit": "usd",
      "notes": "Per-day/max. Evergreen+ only."
    },
    {
      "coverage_id": "AUTO:OEM",
      "line": "AUTO",
      "code": "OEM",
      "label": "OEM Parts Guarantee",
      "kind": "flag",
      "unit": "bool",
      "notes": "Sequoia only."
    }
  ],
  "row_count": 3,
  "truncated": false
}

Thanks, Walter. I found an account matching that email. To finish verifying your identity before I pull up policy details, can you confirm your date of birth?

In the meantime, here's what those three coverage codes mean (all are Auto coverages in EVERGREEN):

UMUIM — Uninsured/Underinsured Motorist: Covers you when the at-fault driver has no insurance or not enough to cover your damages. It's a limit-based coverage.
RENT_REIMB — Rental Reimbursement: Pays for a rental car (typically a per-day amount up to a maximum) while your vehicle is being repaired after a covered loss.
OEM — OEM Parts Guarantee: A flag that guarantees repairs use Original Equipment Manufacturer (genuine) parts rather than aftermarket ones.

Once you confirm your DOB, I'll check which of these are on your current policy.

19k in · 762 out · $0.03 · 13.2s

Customer

Got it, thanks for those explanations — that's really helpful. My date of birth is November 2, 1957.

Agent

⚙ query_db(SELECT policy_id, line, tier_id, status, effective_date, expiration_date FROM…)

{
  "sql": "SELECT policy_id, line, tier_id, status, effective_date, expiration_date FROM policies WHERE cust_id = 'CUST-heritage-auto'"
}

{
  "rows": [
    {
      "policy_id": "POL-heritage-auto-p_auto",
      "line": "AUTO",
      "tier_id": "AUTO:HERITAGE",
      "status": "ACTIVE",
      "effective_date": "2025-02-01",
      "expiration_date": "2026-02-01"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT pc.coverage_id, c.code, c.label, pc.value FROM policy_coverages pc JOI…)

{
  "sql": "SELECT pc.coverage_id, c.code, c.label, pc.value FROM policy_coverages pc JOIN coverages c ON c.coverage_id = pc.coverage_id WHERE pc.policy_id = 'POL-heritage-auto-p_auto'"
}

{
  "rows": [
    {
      "coverage_id": "AUTO:BI",
      "code": "BI",
      "label": "Bodily Injury Liability",
      "value": "10000000/30000000"
    },
    {
      "coverage_id": "AUTO:COLL",
      "code": "COLL",
      "label": "Collision",
      "value": "50000"
    },
    {
      "coverage_id": "AUTO:COMP",
      "code": "COMP",
      "label": "Comprehensive",
      "value": "50000"
    },
    {
      "coverage_id": "AUTO:MED",
      "code": "MED",
      "label": "Medical Payments",
      "value": "500000"
    },
    {
      "coverage_id": "AUTO:OEM",
      "code": "OEM",
      "label": "OEM Parts Guarantee",
      "value": "true"
    },
    {
      "coverage_id": "AUTO:PD",
      "code": "PD",
      "label": "Property Damage Liability",
      "value": "5000000"
    },
    {
      "coverage_id": "AUTO:RENT_REIMB",
      "code": "RENT_REIMB",
      "label": "Rental Reimbursement",
      "value": "90000"
    },
    {
      "coverage_id": "AUTO:ROAD",
      "code": "ROAD",
      "label": "Roadside Assistance",
      "value": "true"
    },
    {
      "coverage_id": "AUTO:UMUIM",
      "code": "UMUIM",
      "label": "Uninsured/Underinsured Motorist",
      "value": "10000000/30000000"
    }
  ],
  "row_count": 9,
  "truncated": false
}

Thanks, Walter — you're verified. ✓

You have one active policy, an Auto policy (POL‑heritage‑auto‑p_auto, on the HERITAGE tier), effective Feb 1, 2025. Here's how the three codes you asked about map to your current coverage:

Code	On your policy?	Current value
UMUIM (Uninsured/Underinsured Motorist)	✅ Yes	$100,000 / $300,000
RENT_REIMB (Rental Reimbursement)	✅ Yes	$900/day (or max)
OEM (OEM Parts Guarantee)	✅ Yes	On

So all three from your old dec page are still active on your current policy.

For the record, your policy also carries: Bodily Injury ($100k/$300k), Property Damage ($50k), Collision & Comprehensive ($500 deductibles), Medical Payments ($5,000), and Roadside Assistance.

Anything else you'd like me to explain or check?

32k in · 651 out · $0.04 · 11.7s

Customer

Perfect — that's exactly what I needed to know. Thanks so much for looking all that up and explaining what those codes meant. I really appreciate it.

Agent

⚙ end_conversation()

{}

{
  "ok": true,
  "note": "Deliver your closing message now."
}

Have a great day! 👋

23k in · 80 out · $0.02 · 3.8s